Christian Karges is a financial advisor at FSA Advisors, Inc. in Troy, MI, holding a Series 66 designation with one year of industry experience. Prior to his financial services roles, he worked at Green Lantern Pizza for several years, including as a delivery driver. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses, employing an investment approach based on fundamental analysis and modern portfolio theory with tailored asset allocations and discretionary management.

Justin Pontz is a financial advisor with City Center Advisors, LLC in Troy, MI, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Hantz Financial Services, Inc. and Southwest Foodservice Excellence, LLC, as well as a lengthy career at WDIV. Pontz is also active as an insurance agent with City Center Financial, LLC. City Center Advisors provides discretionary investment management, limited-scope financial planning, and retirement plan services to individuals, including high-net-worth clients, as well as businesses and qualified retirement plans. The firm follows Modern Portfolio Theory in its investment approach and offers a unified managed account program that incorporates model portfolios and third-party managers.

Stephanie Morawski is a financial advisor at Expressive Wealth LLC in Grosse Pointe, MI, holding a Series 66 designation with three years of industry experience. Prior to joining Expressive Wealth in 2024, she worked at Equitable Advisors, LLC and held roles at Blue Cross Blue Shield of Michigan and the Michigan State Senate. Outside of her advisory work, she owns MID Concierge, LLC, a coaching and consulting business for divorce-related professionals. Expressive Wealth serves individuals, high-net-worth clients, trusts, estates, and retirement plans, offering discretionary asset management, ERISA 3(38) plan services, modular financial planning, and consultation. The firm uses a combination of fundamental, technical, and cyclical analysis and regularly reviews portfolios and sub-advisors’ strategies to align with clients’ goals and risk tolerance.

Anthony Reckling is an investment adviser representative with FSA Advisors, Inc. in Troy, MI, holding Series 65 and Series 66 licenses and bringing 10 years of industry experience. His background includes roles at Ameriprise Financial, JP Morgan Securities, and Infinex Investments. He is also an associate advisor at Financial Services of America, where he sells life insurance and fixed index annuities. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm employs fundamental analysis and modern portfolio theory with a focus on long-term trading and tailored asset allocations across mutual funds, fixed income, REITs, annuities, and ETFs.

Richard Trombley is a financial advisor with FSA Advisors, Inc. in Troy, Michigan, holding a Series 66 credential and bringing nine years of industry experience. His work history includes roles at AE Financial Services, HUB International Midwest, Independence Capital Co Inc, and Financial Service of America. He is also active as an insurance agent with Financial Services of America and FSA Health. FSA Advisors provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm uses a combination of fundamental analysis and modern portfolio theory with a long-term trading horizon, implementing diversified allocations across mutual funds, fixed income, ETFs, REITs, annuities, and selected third-party managers.

Kylie Thiessen is a financial advisor at FSA Advisors, Inc. in Troy, MI, holding a Series 65 designation with three years of industry experience. Her prior work includes roles at Financial Services of America, Palazzo Di Bocce, Goldfish Swim School, and Wyndgate Country Club. She also serves as a client service representative for insurance agencies without receiving commissions. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm employs a long-term investment approach based on fundamental analysis and modern portfolio theory, offering tailored asset allocations and discretionary portfolio management.

Zachary Rivard is a CFP® professional with seven years of industry experience. He is currently with StraightLine and has previously worked at ACT TWO Financial Advisors, DBS Investment Advisers, and PNC Financial Services. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, and retirement plan education. The firm employs institutional research and proprietary model portfolios, using mutual funds, ETFs, stocks, and bonds, and emphasizes client education through in-person meetings and webinars.

Daniel Richmond is a financial advisor at Carrera Capital Advisors with five years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Northwestern Mutual, MassMutual, and American United Life. Outside of his advisory role, Richmond is an Employee Benefits Partner at Worklife Benefit Consultants, where he connects business owners to employee benefits solutions. Carrera Capital Advisors serves individual clients, retirement plans, trusts, foundations, and institutional entities. The firm employs a multifaceted investment process combining quantitative tools, fundamental and technical analysis, and machine learning to construct diversified, tax-aware portfolios across various product groups.

Jacob Mc Clellan is a financial advisor with FSA Advisors, Inc., holding a Series 65 designation and three years of industry experience. He has worked at Financial Services of America since 2022 and joined FSA Advisors in 2023. Prior to his career in financial services, he held positions in the fitness and healthcare industries. FSA Advisors provides discretionary portfolio management and financial planning to individuals, high-net-worth clients, and businesses. The firm combines fundamental analysis with modern portfolio theory and typically uses mutual funds, fixed income, ETFs, REITs, and annuities in client portfolios while employing a long-term trading horizon.

Heather Williams is a CFA® charterholder with 10 years of industry experience, currently serving at Pointe Capital Management LLC since 2016. She holds Series 63 and Series 65 licenses and is based in Grosse Pointe Farms, MI. Outside of her advisory role, she serves as a trustee for the Burroughs Memorial Trust, which supports various community and charitable organizations. Pointe Capital Management serves individuals, retirement plans, trusts, and select institutional accounts with a focus on discretionary and non-discretionary investment management and ERISA fiduciary retirement-plan advising. The firm emphasizes a long-term, fundamentally driven Large Cap Value equity strategy combined with diversified asset allocation and uses leverage and derivatives in separately managed accounts.

Robert Mulcahy is a financial advisor at Royal Oak Financial Advisors, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Regulus Advisors, Wfg Investments, Inc., and Liberty Tax. Mulcahy also has experience as an insurance agent. Royal Oak Financial Advisors serves individuals, high-net-worth clients, and retirement plans, providing discretionary portfolio management and financial planning with an investment approach based on asset allocation and model portfolios tailored to client goals and risk tolerance.

Michael Wallace is an investment adviser representative at FSA Advisors, Inc. with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including AE Financial Services, HUB International Midwest, and Independence Capital Company. Wallace is also president of Wallace Holdings, a pass-through S corporation. FSA Advisors provides discretionary portfolio management and financial planning to individuals, high-net-worth, and business clients. The firm uses a combination of fundamental analysis and modern portfolio theory to guide investment decisions and typically employs mutual funds, fixed income, ETFs, REITs, and annuities in client portfolios.

Ryan Paye is a financial advisor at FSA Advisors, Inc. in Troy, Michigan, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Merrill Lynch/Bank of America and Bridgewise Financial Partners. FSA Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and businesses, utilizing fundamental analysis and modern portfolio theory with a long-term investment focus. The firm offers discretionary portfolio management, prepares Investment Policy Statements, and delivers financial plans on fixed-fee or hourly bases, often incorporating third-party managers and specific custodial arrangements.

Norman Leon is a financial advisor at Vertrix Wealth Management, LLC with 16 years of industry experience. He holds a Series 65 designation and has previously worked at Greystone Financial Group, LLC and Retirement Funding Advisors Inc. Norman joined Vertrix Wealth Management in 2026 as part of a six-advisor team based in Troy, MI. Vertrix Wealth Management serves individuals, trusts, estates, small businesses, and employer-sponsored retirement plans, providing comprehensive portfolio management and retirement plan consulting. The firm employs a tactical, risk-management oriented investment approach that combines fundamental and technical analysis with dynamic asset-allocation adjustments.

George Johnson III is a financial advisor with Discipline Wealth Solutions, Inc., holding Series 65 and Series 66 licenses and bringing 22 years of industry experience. His prior roles include positions at CPR Investments Inc, LPL Financial, and Ameriprise. Outside of advisory work, he is involved in business consulting and estate planning support through activities such as referral representation and client assistance with legal estate planning processes. Discipline Wealth Solutions serves individuals, corporations, retirement plans, and other registered advisors, offering tailored investment advisory services including managed accounts, sub-advisory relationships, and retirement plan consulting. The firm utilizes a variety of investment approaches and provides oversight of in-house and third-party managers alongside participant education and support for retirement clients.

Steven Shepich is a CFA® charterholder with 13 years of industry experience. He has been with Laffer Tengler Investments, Inc. since 2011. Laffer Tengler Investments provides discretionary and non-discretionary portfolio management, model delivery to other advisers, and wrap-fee program management for individual, high-net-worth, institutional, and specialty clients. The firm combines quantitative modeling and macroeconomic forecasting with fundamental security analysis to manage a range of investment strategies across multiple asset classes.

Gaurav Mehra is a Series 65-licensed advisor with StraightLine in Troy, MI, where he has worked since 2008. He has 15 years of industry experience. StraightLine serves individual investors, including high-net-worth clients, and retirement-plan sponsors by providing investment management, financial planning, and retirement plan education services. The firm uses institutional research and proprietary model portfolios to guide investment decisions and offers a structured participant education program.

David James is a financial advisor with FSA Advisors, Inc. He holds a Series 65 designation and has been in the financial services industry for several years, including roles at Hub International Midwest Inc and The Right Choice Insurance Agency Inc. He is also licensed as a life insurance agent with Financial Services of America. FSA Advisors, Inc. provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm combines fundamental analysis with modern portfolio theory and typically uses mutual funds, fixed income, ETFs, and other products to implement client portfolios.

Nicholas Shaheen is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently affiliated with FSA Advisors, Inc. and has held roles at AE Financial Services, LLC, Fsa Health, Independence Capital Company, Woodward Insurance Group, and Financial Services of America. Outside of his advisory work, he is involved in insurance sales through several business activities, including ownership of his own insurance agency. FSA Advisors provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and businesses. The firm uses a combination of fundamental analysis and modern portfolio theory with a long-term trading horizon, implementing diversified allocations across mutual funds, fixed income, ETFs, REITs, and annuities.

Elizabeth Foley is a CFP® professional with 37 years of industry experience. She has worked at Hilltop Wealth & Tax Solutions since 2018 and previously spent 29 years at Ameriprise Financial Services, Inc. She serves as President of the Board of Directors for Hilltop Kids, an organization that provides education, goods, and services to underprivileged children and families in the community. Hilltop Wealth & Tax Solutions serves individual and institutional clients, including high-net-worth individuals, trusts, and tax-exempt entities. The firm offers discretionary portfolio management, comprehensive financial and tax planning, and integrates tax and estate considerations into investment recommendations.